How much do I take home on a gross salary of SEK 25,000 a month?

On SEK 25,000 gross, net pay is SEK 20,654 a month in Stockholm, or SEK 247,848 a year. The amount depends on the municipality and on whether you are a member of the Church of Sweden.

What are the effective and marginal tax rates at SEK 25,000?

The effective tax rate is 17.4%: SEK 52,152 of tax on annual pay. The marginal rate is 23.6%, so that share of an extra krona of gross pay goes in tax.

How much of a SEK 1,000 raise do I keep?

If your gross pay goes from SEK 25,000 up by SEK 1,000 a month, net pay rises by SEK 764. You keep 76.4% of the raise.

What changes if I am 66 or older?

At SEK 25,000 a month net pay is SEK 22,994, which is SEK 2,340 more than for someone younger, thanks to the higher basic allowance and the larger earned income tax credit.

Does net pay differ between municipalities?

Yes. At SEK 25,000 a month, net pay is SEK 20,654 in Stockholm and SEK 20,240 in Norrköping among the 10 largest municipalities, a difference of SEK 414 a month.

Gross salary of SEK 25,000: how much is left after tax?

On a gross salary of SEK 25,000 a month you take home SEK 20,654 in Stockholm, the example municipality here, using Skatteverket tax tables for 2026. Tax comes to SEK 52,152 a year, an effective rate of 17.4%. Across the 10 largest municipalities the net pay ranges from SEK 20,240 (Norrköping) to SEK 20,654 (Stockholm).

Calculate your own case

Monthly gross salary

Before tax. Use a comma or a point for the decimals.

Municipality

Member of the Church of Sweden

Aged 66 or older at the start of the year

Gives an elevated basic allowance and a different earned income tax credit.

Result

Monthly net: SEK 20,654.00
Annual net: SEK 247,848.00
Effective rate: 17.4%
Marginal rate: 23.6%Of your next raise, how much goes to taxes and contributions.

Breakdown

Each payment of the year, with the amount of each tax and contribution
Payment	Gross	State income tax	Municipal income tax (incl. region)	General pension fee	Tax credit for pension fee	Earned income tax credit	Employment income tax credit	Public service fee	Funeral and church fee	Net
Regular month (× 12)	SEK 25,000.00	-SEK 0.00	-SEK 6,613.61	-SEK 1,749.77	SEK 1,749.77	SEK 2,498.33	SEK 124.98	-SEK 98.65	-SEK 257.05	SEK 20,654.00
Year total	SEK 300,000.00	-SEK 0.00	-SEK 79,363.32	-SEK 20,997.24	SEK 20,997.24	SEK 29,979.96	SEK 1,499.76	-SEK 1,183.80	-SEK 3,084.60	SEK 247,848.00

Worth knowing

This follows the Swedish Tax Agency’s tax table: the total tax rate is rounded to a whole number and funeral and church fees count as 1.16 percentage points. Final tax is set in the tax return and can differ.
The public service fee is part of the table and applies to people aged 18 or older at the start of the year.

The address of this page stores these values (and nothing else), so you can share it.Report an error

Where the money goes

Municipal income tax (incl. region): SEK 6,614 a month (26.5% of gross)
General pension fee: SEK 1,750 a month (7.0% of gross)
Tax credit for pension fee: -SEK 1,750 a month (-7.0% of gross)
Earned income tax credit: -SEK 2,498 a month (-10.0% of gross)
Employment income tax credit: -SEK 125 a month (-0.5% of gross)
Public service fee: SEK 99 a month (0.4% of gross)
Funeral and church fee: SEK 257 a month (1.0% of gross)

Assumptions

Calculated for an employee under 66 who is not a member of the Church of Sweden, using the Skatteverket tax table for 2026 and the municipal tax of Stockholm. Change the inputs in the calculator above.

Nearby salaries

Around SEK 25,000 gross, every raise of SEK 1,000 adds SEK 764 net, which is 76.4% of the raise. The table shows nearby salaries on the same assumptions; each row links to its page.

Gross a month	Net a month	Effective rate
SEK 22,000	SEK 18,354	16.6%
SEK 25,000(this page)	SEK 20,654	17.4%
SEK 27,000	SEK 22,181	17.8%
SEK 30,000	SEK 24,473	18.4%

Comparing municipalities

The same gross salary of SEK 25,000 a month, after tax, in the 10 largest municipalities, from highest to lowest. The gap between the highest and the lowest is SEK 414 a month, or SEK 4,968 a year.

Municipality	Municipal rate	Net a month
Stockholm	30.6%	SEK 20,654
Linköping	31.8%	SEK 20,516
Västerås	31.2%	SEK 20,516
Helsingborg	31.4%	SEK 20,516
Göteborg	32.6%	SEK 20,378
Malmö	32.4%	SEK 20,378
Uppsala	32.9%	SEK 20,378
Örebro	33.7%	SEK 20,240
Jönköping	33.4%	SEK 20,240
Norrköping	33.3%	SEK 20,240

Frequently asked questions

How much do I take home on a gross salary of SEK 25,000 a month?: On SEK 25,000 gross, net pay is SEK 20,654 a month in Stockholm, or SEK 247,848 a year. The amount depends on the municipality and on whether you are a member of the Church of Sweden.
What are the effective and marginal tax rates at SEK 25,000?: The effective tax rate is 17.4%: SEK 52,152 of tax on annual pay. The marginal rate is 23.6%, so that share of an extra krona of gross pay goes in tax.
How much of a SEK 1,000 raise do I keep?: If your gross pay goes from SEK 25,000 up by SEK 1,000 a month, net pay rises by SEK 764. You keep 76.4% of the raise.
What changes if I am 66 or older?: At SEK 25,000 a month net pay is SEK 22,994, which is SEK 2,340 more than for someone younger, thanks to the higher basic allowance and the larger earned income tax credit.
Does net pay differ between municipalities?: Yes. At SEK 25,000 a month, net pay is SEK 20,654 in Stockholm and SEK 20,240 in Norrköping among the 10 largest municipalities, a difference of SEK 414 a month.

Results are estimates based on official tax data and do not constitute tax or legal advice.